Uncle Sam and his band of merry-men, better known as Congress, have been pushing snake oil on the unsuspecting public in the form of retirement plans. But wait, isn?t a pension plan one of the perks we look to when shopping for an employer? Well, not all pension planning is created equal and in most cases, quite disastrous.

We all go to school for about twelve years, kindergarten through high school. Some
of us go to college and then graduate school. Personally, I went to school for three
years beyond college with law school and took financial courses after that was over.
In all of that time, economics courses, accounting courses and even tax courses, no
course or school ever covered what we are going to talk about.

The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it's time to do some competitive shopping.

So you want to become wealthy? While there is no single road to getting there, it's a sure bet that one principle is in place for those who keep their wealth over a lifetime. Live beneath your means. Spend less than you make. Don't spend more than you can afford. It doesn't come any simpler than this. If you want to create wealth, you have to learn to do this. It doesn't matter if you make $10,000 a year or $1 million, if you don't learn how to master the step of spending less than you earn, you'll never create lasting wealth.

1. Pay off high-cost debt. The best investment most borrowers can make is to pay off consumer debt with double-digit interest rates. For example, if you have a $3,000 credit card balance at 19.8%, and you pay the required minimum balance of 2% of the balance or $15, whichever is greater, it will take 39 years to pay off the loan. And you will pay more than $10,000 in interest charges.

Articles on 'How to make money' come a dime-a-dozen. How about a fresh, new perspective? Here's a rather unique, untapped, revolutionary article about the 9 Simple (Yet Powerful) Steps You can use right now to Demolish Your Money Worries for Good,...for Life,...Forever!

Whenever we read about building wealth or even attend a seminar for that purpose, we usually begin by assessing our present financial status. We?re asked to calculate our assets and liabilities followed by a determination of where we?d like to be in a certain period of time. Being armed with this data along with assessing our present earning and saving power, we then set out to structure our financial goals. Although we try to be realistic, we still want to stretch ourselves a little bit ? after all, that?s one of the purposes of setting goals, isn?t it? To achieve more than we normally would if we didn?t have goals in the first place. And also, goals are supposed to give us direction.

One of the things most of us have old ideas about is money. The best way to change old ideas is to upgrade and take a new look at them. We have to do the same thing with how we think about money. We have to look at it from a different point of view.

Why is it that the older and richer people become, the more conservative they are with their money? Have you ever done or know someone who has made an investment that promised a 10% interest or profit per month? Everyone wants to make above average profits. It is amazing how many people will send their very hard earned money across the world to Nigeria or to Boca Rattan, Florida on the promise of a telephone acquaintance to make them much richer. People give their money to complete strangers in hopes of making more money.

Planning for the undesired, accidents and possible unknowns in life.
Recently, a remote friend of mine died during an accident. I don?t feel particularly sad, but I was shocked to know because the scenario was quite dramatic.

RELATED ARTICLESWhat Are Your Beliefs About Money and Wealth?
What is your attitude towards having wealth? Do you believe it is possible to have anything that you want? Or do you believe that wealth and prosperity are reserved only for those other "lucky" people in this world...? Alright then, please pay attention to this:
Thieves Continue to Pull Off the Biggest Heist in History?Until Now!
Imagine being able to steal untold millions of dollars in plain view without getting caught. Impossible you say. Be careful because you are most likely a victim of this heist. In fact, you may actually be giving these thieves referrals so that they can dupe your friends and family.
If You Know These 5 Wealth Secrets Then You Are Probably Already A Millionaire
Wealth Secret 1 - Decide Your Outcome Right Now.
Cost Averaging - It Makes Sense (Dollars & Cents)
It's no secret that the market goes UP...the market,
goes DOWN. That's the basics of Investing 101.
The Old Monied Dupont Nemours and Roosevelt Families Buy a Tax Haven
This 4,000 acre sale (now a marina and resort town - with an airport for jumbo jets (the $50,000,000 airport was donated by the UK government) went down in the 1970's - not the 1870's!?!?
The 11 Best Money Saving Ideas of All Time - Part 1
At any time in history, no matter what the current state of the economy, no matter what the current trends, no matter what the unemployment rate is or where interest rates lurk, some money-saving ideas stay true.
The Making Money Obsession - Discover The Real Truth
In most societies, we are raised to believe in the myth that "it's spiritual to be poor". Or we use such phrases as "filthy rich", or "Money is the root of all evil". Our TV and movies present the big businesses as the "bad guys", and programs our minds to believe that being rich is "bad".
Uncle Sams Snake Oild
Uncle Sam and his band of merry-men, better known as Congress, have been pushing snake oil on the unsuspecting public in the form of retirement plans. But wait, isn't a pension plan one of the perks we look to when shopping for an employer? Well, not all pension planning is created equal and in most cases, quite disastrous.
Build Wealth From Home
As you sit in traffic, inching along between irate drivers, you think to yourself, "there must be a better way." You get to work, you endure another tirade from an incompetent boss, and you think, "there must be a better way." You work hard, you're underappreciated, underpaid, and fed up. After all this, you can barely pay the bills, and haven't taken a real vacation in years.
A New Paradigm Shift In Earthly Wealth
Hello,
High Flying Market Makes Good Buys Hard to Find
AS THE MARKET FLIES HIGHER, GOOD BUYS ARE BECOMING HARDER AND HARDER TO FIND.
How to Save Money and Take the Vacation You Always Wanted
Many people don't realize how much money they spend on convenience and boy does it add up. I am going to share some of my frugal and practical tips of how to save money for the vacation you always wanted. Before we get started make sure you setup a vacation savings account, if you don't have a savings account setup look into an ING Direct savings account. (Find out how to get $25.00 just for opening an account in our forums)
How to Grow Your Very Own Money Tree
Okay. So money doesn't really grow on trees. Unless you plant your own Mighty Money Tree, that is!
Spiritual and Emotional Money Goals: The Keys to a Financially Free Future
Are you setting the right money goals?
Building Wealth: Its An Inside Job ? Part 1
Whenever we read about building wealth or even attend a seminar for that purpose, we usually begin by assessing our present financial status. We're asked to calculate our assets and liabilities followed by a determination of where we'd like to be in a certain period of time. Being armed with this data along with assessing our present earning and saving power, we then set out to structure our financial goals. Although we try to be realistic, we still want to stretch ourselves a little bit ? after all, that's one of the purposes of setting goals, isn't it? To achieve more than we normally would if we didn't have goals in the first place. And also, goals are supposed to give us direction.
Lesson 1 - Why Arent You Wealthy?
We will start the Financial Fitness System with the assumption that you are out of shape financially or you would not have decided to subscribe to the course. So, again, why aren't you wealthy? There are some exceptions, but for the majority of the world it's the same reason. You did not choose to be wealthy, that's it, end of story. We told you this would be simple!
The Underlying Belief System
Many of us do not consider the underlying belief system about money to be of any importance. You think it does not matter, because what matters is what you do now. Right, at one level, but not complete. All ideas that we have learned about money in the past are colouring our actions today.
Mastering Your Money
One of the things most of us have old ideas about is money. The best way to change old ideas is to upgrade and take a new look at them. We have to do the same thing with how we think about money. We have to look at it from a different point of view.
Creating Money, Prosperity, and Abundance Now (Part 2)
Giving and Receiving
Financial Freedom for Every Employee
You may think you have to be an entrepreneur to achieve your goal of financial freedom, but that is not necessarily true. While it is true that owning your own business is an excellent way to generate passive income, financial freedom is not entirely dependent on business ownership.